Cheap Health Insurance - Smart Ways To Cut Health Care Costs

By Robin Boddy

1. Read the fine print. Slogging through health insurance policy documents that seem like they're written in code is mind-numbing but crucial. You have to know your plan inside and out in order to follow the rules for obtaining coverage, and only pulling out your handbook when you or a family member is already in the midst of a crisis could easily lead to uninformed decisions and drain your bank account later. Educate yourself from the get-go about these basics: Do you need preapproval for tests and procedures? Referrals from your primary doctor to see specialists such as allergist and podiatrists? Which nearby hospitals are in network?

2. Assume nothing. All of the doctors at a so-called "plan hospital" are not necessarily plan providers. Be aware that the same goes for doctors within large group practices also. Train yourself to request, at least in non-emergency situations, that providers participating in your care be part of your network. Before and during any exam or appointment say, "I have XYZ insurance, and I request that anyone treating me and billing me separately, or any lab were blood is sent, be in my plan". Many people figure that if a hospital is in their approved network, all of the doctors in there, including specialists are too. Unfortunately that's not always the case.

3. Take full advantage of your primary care physician. And make sure every family member has a good "go to" doctor as well. Many run-of-the-mill complaints that you might think require a trip to the specialist, such as possible allergies or back pain, can be handled effectively by a primary care physician.

4. Do your homework. Obviously this is moot if you're rushing to the ER, but if you need a nonurgent test or procedure, such as a routine colonoscopy or hip replacement, ask your doctor where she has privileges and her opinions about each facility. Then contact those places and find out how much the procedure will cost under your plan. Many insurers list on their member web sites the rates they've negotiated or will quote you the figures over the phone. There can be several thousand dollars difference between providers in the same area.

5. Ask about cheaper options. Many doctors just assume that patients want the latest treatment, so, for instance, they order an MRI instead of a standard x-ray. If your doctor suggests a potentially pricey test, emphasize that you want the best care but you also want to save money. Ask if the same info can be obtained in a less costly manner. It's also good to inquire if this really necessary and can I wait and see if my condition improves on its own or with dietary changes or exercise.

6. Be prepared to drive a hard bargain. If your health plan only partially covers and expense, talk to the billing manager at your doctor's office or treatment facility and ask for a discount on your portion of the fee. You can usually get a lower price.

7. Shop around. If your plan doesn't cover prescriptions, calling ahead to check prices before you drop off a new script is a smart investment of your time. Costs can vary widely, even among retailers in the same neighborhood.

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